Phyllis Cotton has over 25 years of experience in banking and financial operations roles. She is skilled in analyzing facts, resolving problems, and meeting deadlines. Her experience includes roles in mortgage default reconciliation, foreclosure processing, deposit operations, research, and customer service. She is proficient in Microsoft Office applications and experienced working with databases.

1. 3605 Clearbrook Dr.
Fort Worth, TX. 76123
817-233-7218
gwallace66@sbcglobal.net
PhyllisG. Cotton
Summary Experienced, organized, take-charge office professionalwith demonstrated
ability to successfully follow procedures,thereby increasing productivity.
Skilled in analyzing facts and correcting problems. Am concerned with
quality and my work is typically orderly and attractive. Type 55 wpm,
excellent computer skills, with experience in Microsoft Word, Excel, and
Powerpoint. Work well under pressure to meet deadlines. Able to work well
with individuals on all levels. People person,sensitive and perceptive;
extensive customer/client contact.
Experience 2014-Present J.P Morgan Chase Bank Lewisville, TX
Financial Operation Specialist II
 Processing default reconciliation tasks to complete the review and potential
reclassification of corporate advances to include potential write-off/charge
of these expenses.
 Completing root cause analysis to identify source of losses by working
with default business department such as foreclosure, loss mitigation,
bankruptcy, claims, invoice processing,recourse and recovery, corporate
accounting,investor and financial reporting.
 Identifying, communicating, and tracking additional recovery opportunities
with Investors,Insurers and/orVendors and Default business departments.
 Diligently researching uncontrollable expenses on delinquent accounts for
resolution.
 Updating all applicable work-tracking systemmodules throughout the
analysis process to reflect the correct loan status.
2008-2013 Bank of America/ReconTrust Co. N.A. Arlington, TX
Foreclosure Specialist II
 Ordering, receiving, filing and maintaining a vault for all Nevada
Collateral files that have been referred for foreclosure, work MS Access
and SQL reporting to maintain a SharePoint Site that effectively organizes
the vault with a log of all collateral files and their location within the vault.
 Established collaborative lines of communication with key individuals and
teams at BAC spanning varying levels of management as well as front line
associates to ensure a two-way dialogue in resolving challenges and
meeting expectations throughout the entire Nevada foreclosure process.
 Designated as an AVP authorized signor to execute legal foreclosure
documents on behalf of the client.
 Prepare legal documents such as affidavits for attorneys to prepare for
mediations on behalf of the clients.
 Worked with little supervision and entrusted to make business decisions on
issues such as appropriate escalation methods.

2. 2005-2008 Countrywide/Bank of America Arlington, TX
Deposit Operations Rep
 Lead Bank teller serving a minimum of 50 customers a week.
 Open new CD’s and Money Markets accounts for bank customers with a
minimum of 10k.
 Closed accounts upon customers requests by issuing cashier checks or
transferring the funds to anotheraccount within Countrywide Bank.
 Documented and communicated all actions taken.
 Maintained several accounts by making changes or added information
upon customer’s request.
1999-2002 J.P Morgan Chase Bank Arlington, TX
Senior Account Representative
 Performed complex research on suspense items and collections for Chase
USA credit card, involving extensive phone contact with other financial
institutions nationwide.
 Assessed actions needed to correct financial problems related to suspense
items.
 Maintained all needed files and records of payment information.
 Selected to serve as new employee training representative and assistant
team leader.
1995-1999 Arlington, TX
Senior Deposit Service Representative
 Researched and resolved discrepancies with debits and credits for internal
and external customers daily.
 Directly responsible for receiving and completing all cases from various
sources.
 Obtained a good understanding ofall job functions pertaining to assigned
responsibilities.
1988-1994 Bankone, Texas, N.A. Bedford, TX
Research Specialist
 Researched discrepancies with debits and credits to customer accounts.
Resolved over 90% of discrepancies on a daily basis.
 Responded daily to internal and external customer telephone inquiries
regarding status research request.This resulted in improved customer
relations.
 Received and processed all research request using data entry and PC skills.
Met 100% of daily deadlines.
 Distributed daily work to research clerks. Recorded and logged completed
work using PC and closed research.
Education Completed 30 hours toward a degree in Business Management.
Tarrant County College – Fort Worth, Texas
R.L. Paschal High – High School Diploma

3. Volunteer Experience Alzheimer Association Tarrant County Chapter – Fort Worth, Texas.
 Facilitator of Alzheimer’s Support Group of 20 or more for two years.
Experiences and
Involvements at BOA
 Received AVP signing authority for Bank of America, N.A. as well as
ReconTrust Co. N.A.
 Conducted training for new associates,contractors and internal transfers.
 Organized team events, birthdays,and other acknowledgments and
celebrations.
 Routinely order office supplies,coffee supplies and Fed Ex supplies through
Ariba.